When small business owners are seeking reliable funding sources for working capital and commercial real estate loans, there should be a conscious effort to avoid using "Zombie Banks" and other banking institutions that could generally be classified as "bad banks" based on several criteria. What are "Zombie Banks"? The short explanation is that these are banks in which the liabilities exceed assets and which are continuing to operate only because of external credit guarantees from the government. Does this sound like a bank you would want to do business with when there are other choices classified as "good banks"? A recent headline summarized this critical business finance problem:

Problem Bank List at 20 Year High as Regulators Let Zombie Banks Remain Open